2022లో SIP పెట్టుబడి కోసం ఉత్తమ ELSS మ్యూచువల్ ఫండ్‌లు

Updated on February 14, 2026 , 5618 views

బెస్ట్ ఎల్స్ ఫండ్స్ లేదా ఈక్విటీ లింక్డ్ సేవింగ్స్ స్కీములు ఈక్విటీ డైవర్సిఫైడ్మ్యూచువల్ ఫండ్స్ అందించడానికి ఈక్విటీ-లింక్డ్ ఇన్‌స్ట్రుమెంట్‌లలో (షేర్లు మరియు స్టాక్‌లు వంటివి) ప్రధానంగా పెట్టుబడి పెట్టండిసంత-లింక్డ్ రిటర్న్స్. సాధారణంగా, ఫండ్ కార్పస్‌లో 80% ఈక్విటీలో మరియు మిగిలినది డెట్ సాధనాల్లో పెట్టుబడి పెట్టబడుతుంది. ఉత్తమమైనదిELSS కింద పన్ను ప్రయోజనాలను అందిస్తున్నందున ఫండ్‌లను పన్ను ఆదా చేసే మ్యూచువల్ ఫండ్‌లు అని కూడా పిలుస్తారుసెక్షన్ 80C యొక్కఆదాయ పన్ను చట్టం అంతేకాకుండా, ELSS మ్యూచువల్ ఫండ్‌లు ఓపెన్-ఎండ్ & 2 మోడ్‌ల పెట్టుబడులను అందిస్తాయి

ఏకమొత్తం పెట్టుబడి
SIP (క్రమబద్ధమైనపెట్టుబడి ప్రణాళిక) పెట్టుబడి

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టాప్ 5 అత్యుత్తమ పనితీరు కనబరుస్తున్న ELSS మ్యూచువల్ ఫండ్‌లు SIP FY 22 - 23

1. Tata India Tax Savings Fund

To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation..

Research Highlights for Tata India Tax Savings Fund

Bottom quartile AUM (₹4,748 Cr).
Established history (11+ yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.51% (bottom quartile).
3Y return: 16.23% (lower mid).
1Y return: 15.64% (bottom quartile).
Alpha: -2.63 (bottom quartile).
Sharpe: 0.00 (bottom quartile).
Information ratio: -0.26 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~7.0%).

Below is the key information for Tata India Tax Savings Fund

Tata India Tax Savings Fund Growth
Launch Date	13 Oct 14
NAV (16 Feb 26)	₹46.0608 ↑ 0.13 (0.29 %)
Net Assets (Cr)	₹4,748 on 31 Dec 25
Category	Equity - ELSS
AMC	Tata Asset Management Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.83
Sharpe Ratio	0
Information Ratio	-0.26
Alpha Ratio	-2.63
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,254
31 Jan 23	₹13,541
31 Jan 24	₹17,383
31 Jan 25	₹19,512
31 Jan 26	₹20,900

Tata India Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Tata India Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26

Duration	Returns
1 Month	1.5%
3 Month	0.2%
6 Month	6.2%
1 Year	15.6%
3 Year	16.2%
5 Year	13.5%
10 Year
15 Year
Since launch	14.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	4.9%
2023	19.5%
2022	24%
2021	5.9%
2020	30.4%
2019	11.9%
2018	13.6%
2017	-8.4%
2016	46%
2015	2.1%

Fund Manager information for Tata India Tax Savings Fund

Name	Since	Tenure
Sailesh Jain	16 Dec 21	4.13 Yr.

Data below for Tata India Tax Savings Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	34.01%
Industrials	13.51%
Consumer Cyclical	12.82%
Basic Materials	7.07%
Technology	6.29%
Energy	5.29%
Health Care	5.2%
Communication Services	4.89%
Utility	2.69%
Real Estate	1.99%
Consumer Defensive	1.05%

Asset Allocation

Asset Class	Value
Cash	5.2%
Equity	94.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| HDFCBANK	7%	₹318 Cr	3,425,000 ↓ -25,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| ICICIBANK	6%	₹285 Cr	2,100,000 ↓ -25,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services) Equity, Since 30 Nov 21 \| 890157	5%	₹223 Cr	1,426,428 ↑ 1,330,000
State Bank of India (Financial Services) Equity, Since 30 Nov 18 \| SBIN	5%	₹220 Cr	2,040,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 18 \| RELIANCE	4%	₹188 Cr	1,350,000
Infosys Ltd (Technology) Equity, Since 30 Sep 18 \| INFY	3%	₹146 Cr	891,081 ↓ -175,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 16 \| LT	3%	₹138 Cr	352,147
NTPC Ltd (Utilities) Equity, Since 30 Jun 21 \| NTPC	3%	₹123 Cr	3,451,000
Samvardhana Motherson International Ltd (Consumer Cyclical) Equity, Since 30 Nov 22 \| MOTHERSON	3%	₹115 Cr	10,200,000
City Union Bank Ltd (Financial Services) Equity, Since 31 Aug 21 \| CUB	2%	₹100 Cr	3,300,000

2. Bandhan Tax Advantage (ELSS) Fund

The investment objective of the Scheme is to seek to generate long term capital growth from a diversified portfolio of predominantly equity and equity related securities. There can be no assurance that the investment objective of the scheme will be realised.

Research Highlights for Bandhan Tax Advantage (ELSS) Fund

Lower mid AUM (₹7,333 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 15.69% (lower mid).
3Y return: 15.57% (bottom quartile).
1Y return: 13.61% (bottom quartile).
Alpha: 0.45 (lower mid).
Sharpe: 0.21 (lower mid).
Information ratio: -0.08 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding HDFC Bank Ltd (~7.9%).

Below is the key information for Bandhan Tax Advantage (ELSS) Fund

Bandhan Tax Advantage (ELSS) Fund Growth
Launch Date	26 Dec 08
NAV (16 Feb 26)	₹156.447 ↑ 0.77 (0.49 %)
Net Assets (Cr)	₹7,333 on 31 Dec 25
Category	Equity - ELSS
AMC	IDFC Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.74
Sharpe Ratio	0.21
Information Ratio	-0.08
Alpha Ratio	0.45
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹14,912
31 Jan 23	₹15,110
31 Jan 24	₹20,293
31 Jan 25	₹21,565
31 Jan 26	₹23,272

Bandhan Tax Advantage (ELSS) Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for Bandhan Tax Advantage (ELSS) Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26

Duration	Returns
1 Month	0.8%
3 Month	-0.3%
6 Month	4.8%
1 Year	13.6%
3 Year	15.6%
5 Year	15.7%
10 Year
15 Year
Since launch	17.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8%
2023	13.1%
2022	28.3%
2021	4.2%
2020	49.2%
2019	18.7%
2018	1.9%
2017	-9.4%
2016	53.4%
2015	0.4%

Fund Manager information for Bandhan Tax Advantage (ELSS) Fund

Name	Since	Tenure
Daylynn Pinto	20 Oct 16	9.29 Yr.
Ritika Behera	7 Oct 23	2.32 Yr.
Gaurav Satra	10 Jun 24	1.65 Yr.

Data below for Bandhan Tax Advantage (ELSS) Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	33.66%
Technology	11.58%
Consumer Cyclical	10.12%
Consumer Defensive	8.24%
Basic Materials	8.23%
Energy	7.28%
Health Care	5.76%
Industrials	4.09%
Communication Services	3.12%
Utility	2.33%
Real Estate	2.01%

Asset Allocation

Asset Class	Value
Cash	3.58%
Equity	96.42%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 14 \| HDFCBANK	8%	₹558 Cr	6,000,000 ↑ 100,000
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 18 \| RELIANCE	7%	₹460 Cr	3,300,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 16 \| ICICIBANK	5%	₹366 Cr	2,700,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 21 \| TCS	5%	₹344 Cr	1,100,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| KOTAKBANK	4%	₹306 Cr	7,500,000 ↑ 500,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	3%	₹209 Cr	1,275,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 21 \| AXISBANK	3%	₹206 Cr	1,500,000 ↓ -400,000
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	3%	₹183 Cr	1,700,000 ↓ -600,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 20 \| BHARTIARTL	2%	₹158 Cr	801,000
Jindal Steel Ltd (Basic Materials) Equity, Since 31 Mar 18 \| JINDALSTEL	2%	₹153 Cr	1,350,000

3. Aditya Birla Sun Life Tax Relief '96

An Open-ended equity linked savings scheme (ELSS) with the objective of long term growth of capital through a portfolio with a target allocation of 80% equity, 20% debt and money market securities

Research Highlights for Aditya Birla Sun Life Tax Relief '96

Upper mid AUM (₹15,415 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: Moderately High.
5Y return: 9.43% (bottom quartile).
3Y return: 15.81% (bottom quartile).
1Y return: 17.79% (upper mid).
Alpha: 1.55 (upper mid).
Sharpe: 0.29 (upper mid).
Information ratio: -0.74 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~8.3%).

Below is the key information for Aditya Birla Sun Life Tax Relief '96

Aditya Birla Sun Life Tax Relief '96 Growth
Launch Date	6 Mar 08
NAV (16 Feb 26)	₹62.12 ↑ 0.31 (0.50 %)
Net Assets (Cr)	₹15,415 on 31 Dec 25
Category	Equity - ELSS
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.68
Sharpe Ratio	0.29
Information Ratio	-0.74
Alpha Ratio	1.55
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹11,474
31 Jan 23	₹11,033
31 Jan 24	₹13,880
31 Jan 25	₹15,217
31 Jan 26	₹17,028

Aditya Birla Sun Life Tax Relief '96 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for Aditya Birla Sun Life Tax Relief '96

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26

Duration	Returns
1 Month	0.2%
3 Month	-0.5%
6 Month	3.4%
1 Year	17.8%
3 Year	15.8%
5 Year	9.4%
10 Year
15 Year
Since launch	10.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.3%
2023	16.4%
2022	18.9%
2021	-1.4%
2020	12.7%
2019	15.2%
2018	4.3%
2017	-4.5%
2016	43.2%
2015	3.4%

Fund Manager information for Aditya Birla Sun Life Tax Relief '96

Name	Since	Tenure
Dhaval Shah	31 Oct 24	1.25 Yr.

Data below for Aditya Birla Sun Life Tax Relief '96 as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	33.85%
Consumer Cyclical	13.72%
Technology	10.65%
Health Care	9.24%
Consumer Defensive	8.04%
Industrials	7.25%
Basic Materials	5.06%
Energy	3.97%
Communication Services	3.5%
Utility	2.3%
Real Estate	1.4%

Asset Allocation

Asset Class	Value
Cash	1.01%
Equity	98.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	8%	₹1,238 Cr	9,137,798
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹1,073 Cr	11,550,504
Infosys Ltd (Technology) Equity, Since 30 Jun 08 \| INFY	5%	₹801 Cr	4,882,452
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 08 \| AXISBANK	5%	₹694 Cr	5,060,879
State Bank of India (Financial Services) Equity, Since 31 Jan 22 \| SBIN	4%	₹657 Cr	6,101,415
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 21 \| RELIANCE	4%	₹594 Cr	4,260,426
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Dec 22 \| BHARTIARTL	3%	₹524 Cr	2,661,864
Fortis Healthcare Ltd (Healthcare) Equity, Since 31 Jan 20 \| FORTIS	3%	₹418 Cr	4,912,331
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| M&M	3%	₹407 Cr	1,184,660
Tech Mahindra Ltd (Technology) Equity, Since 31 Dec 24 \| TECHM	3%	₹401 Cr	2,301,590

4. DSP Tax Saver Fund

The primary investment objective of the Scheme is to seek to generate medium to long-term capital appreciation from a diversified portfolio that is substantially constituted of equity and equity related securities of corporates, and to enable investors to avail of a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time.

Research Highlights for DSP Tax Saver Fund

Highest AUM (₹17,609 Cr).
Established history (19+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.94% (upper mid).
3Y return: 20.39% (upper mid).
1Y return: 15.71% (lower mid).
Alpha: -0.15 (bottom quartile).
Sharpe: 0.16 (bottom quartile).
Information ratio: 0.96 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~7.2%).

Below is the key information for DSP Tax Saver Fund

DSP Tax Saver Fund Growth
Launch Date	18 Jan 07
NAV (16 Feb 26)	₹144.877 ↑ 0.94 (0.65 %)
Net Assets (Cr)	₹17,609 on 31 Dec 25
Category	Equity - ELSS
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.64
Sharpe Ratio	0.16
Information Ratio	0.96
Alpha Ratio	-0.15
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹13,776
31 Jan 23	₹13,899
31 Jan 24	₹18,731
31 Jan 25	₹21,867
31 Jan 26	₹23,983

DSP Tax Saver Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for DSP Tax Saver Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26

Duration	Returns
1 Month	0.4%
3 Month	1%
6 Month	6.3%
1 Year	15.7%
3 Year	20.4%
5 Year	16.9%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	23.9%
2022	30%
2021	4.5%
2020	35.1%
2019	15%
2018	14.8%
2017	-7.6%
2016	36.3%
2015	11.3%

Fund Manager information for DSP Tax Saver Fund

Name	Since	Tenure
Rohit Singhania	16 Jul 15	10.56 Yr.

Data below for DSP Tax Saver Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	40.62%
Consumer Cyclical	10.71%
Technology	9.17%
Health Care	7.88%
Basic Materials	7.7%
Energy	5.28%
Communication Services	4.91%
Industrials	4.51%
Consumer Defensive	4.05%
Utility	3.8%

Asset Allocation

Asset Class	Value
Cash	1.34%
Equity	98.66%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	7%	₹1,235 Cr	13,287,531 ↑ 929,535
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| AXISBANK	6%	₹1,099 Cr	8,019,167 ↓ -1,561,889
State Bank of India (Financial Services) Equity, Since 30 Jun 20 \| SBIN	6%	₹1,074 Cr	9,966,720
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 16 \| ICICIBANK	6%	₹1,068 Cr	7,884,103 ↑ 630,888
Infosys Ltd (Technology) Equity, Since 31 Mar 12 \| INFY	5%	₹814 Cr	4,957,761 ↓ -501,947
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jul 19 \| BHARTIARTL	3%	₹529 Cr	2,687,715
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 30 Nov 21 \| M&M	3%	₹484 Cr	1,408,898
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Oct 22 \| KOTAKBANK	3%	₹463 Cr	11,341,925
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Oct 25 \| TCS	3%	₹462 Cr	1,477,947
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| SHRIRAMFIN	2%	₹430 Cr	4,214,116 ↑ 252,842

5. HDFC Long Term Advantage Fund

To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments

Research Highlights for HDFC Long Term Advantage Fund

Bottom quartile AUM (₹1,318 Cr).
Oldest track record among peers (25 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 17.39% (top quartile).
3Y return: 20.64% (top quartile).
1Y return: 35.51% (top quartile).
Alpha: 1.75 (top quartile).
Sharpe: 2.27 (top quartile).
Information ratio: -0.15 (lower mid).

Below is the key information for HDFC Long Term Advantage Fund

HDFC Long Term Advantage Fund Growth
Launch Date	2 Jan 01
NAV (14 Jan 22)	₹595.168 ↑ 0.28 (0.05 %)
Net Assets (Cr)	₹1,318 on 30 Nov 21
Category	Equity - ELSS
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.25
Sharpe Ratio	2.27
Information Ratio	-0.15
Alpha Ratio	1.75
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000

HDFC Long Term Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Purchase not allowed

Returns for HDFC Long Term Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Feb 26

Duration	Returns
1 Month	4.4%
3 Month	1.2%
6 Month	15.4%
1 Year	35.5%
3 Year	20.6%
5 Year	17.4%
10 Year
15 Year
Since launch	21.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for HDFC Long Term Advantage Fund

Name	Since	Tenure

Data below for HDFC Long Term Advantage Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

Disclaimer:
ఇక్కడ అందించిన సమాచారం ఖచ్చితమైనదని నిర్ధారించడానికి అన్ని ప్రయత్నాలు చేయబడ్డాయి. అయినప్పటికీ, డేటా యొక్క ఖచ్చితత్వానికి సంబంధించి ఎటువంటి హామీలు ఇవ్వబడవు. దయచేసి ఏదైనా పెట్టుబడి పెట్టే ముందు పథకం సమాచార పత్రంతో ధృవీకరించండి.